America already has a cookie-cutter retirement plan, and it's not very good. It doesn't pay out enough to support people. Hell, full-time work doesn't support many people anymore. As the retirement age creeps up, what it really does it impoverish more people. They get shut out of the workforce in ... when else? ... their 40s, when most employers stop wanting them. Only a few professions benefit so much from experience that age is a compelling reason to hire people. But the government places no requirements on employers to hire any of those old people. It just expects living-wage jobs to appear out of unicorn farts and fairy dust.
Dear France: don't stick your head up Washington's ass.